08/09/2016
Ghosting Identity Theft
To most people "ghosting" is the act of breaking up with a boyfriend or girlfriend by breaking off all contact.
Now there is a new ghosting phenomena; stealing the identity of a recently deceased loved one.
What can be done:
There are actions available to reduce the risk of this happening.
Less is more.
-When creating an obituary, avoid being too specific on information that could be used by ID thieves. Print a birth year, but not the day and month. Omit the maiden name and the address of the deceased.
Home unattended.
-During the funeral and visitation, consider having a friend or relative stay at the home of the deceased. Thieves are known to target homes for burglary during the service.
Notify the bank.
-Remove the deceased's name from joint bank and credit card accounts. Immediately close solo credit card accounts. Closely monitor any activity in the accounts.
Be proactive.
-Knowing it can take Social Security months to inform all interested parties of the death, proactively contact anyone who may need to know of the death. Report the death to Social Security. File a final tax return. Cancel the driver's license to avoid duplicates being ordered.
Work with credit agencies.
-Contact the major credit agencies and follow their instructions to place a death notice in their records. This should help stop a thief from opening new accounts. Obtain a free credit report from one of the credit agencies and look for suspicious activity.